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Annapolis, Maryland Retirement Guide
low crime rateestablished retirement community
52
Retirement Score
Annapolis, Maryland at a Glance
- Median Home Price
- $473,100
- State Income Tax
- State income tax; Social Security exempt; pension exclusion available for qualifying retirees.
- Avg January Low
- 31.4°F
- Cost of Living Index
- 104.9 (US avg = 100)
- Best For
- low crime rate, established retirement community
- RetireCityIQ Score
- 52 / 100
Retirement Data
Affordability
Cost of Living Index
104.9 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$473,100High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Monthly Rent
$1,750High confidence
U.S. Census ACS 5-Year · Updated April 2026
Taxes
Retirement Tax Score
45 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
State income tax; Social Security exempt; pension exclusion available for qualifying retirees.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
57.8 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
62.9 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
57.8 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July High
86.1°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
31.4°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
58.3"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
294 daysMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Safety
Safety Score
100 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
45 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
17.4 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
40,719High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
37.7High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
18.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$97,219High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
59.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
10.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
51.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
10.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
58.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
22.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
17.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
2.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Annapolis using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$1,025
Stress-case monthly carrying cost
$1,151
Median home price used: $473,100
Median rent reference: $1,750 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.